Of the above line items on the balance sheet, which carries the greatest risk? Do I include deposits as debt? Do I only include deposits not lent as debt? Is a current ratio or quick ratio useful in analyzing risk? Is the interest coverage ratio viable?

Half of WFC's income is from interest while half is not. How does this compare to its peers? How does this compare to regional or smaller more traditional banks? What are the risks to the interest income stream? What are the risks to the non-interest income stream?

Capital Adequacy Ratio is the new standard being used to assess the risk profile of the company. What is WFC's CAR? It cannot be assessed from the three sheets. There is a "regulatory and agency capital requirements" note but it only deals with tier one capital. By their figures WFC is above the standard required by the Fed.

And Tier one still includes equity a very hard commodity to spend in order to cover ones liquid losses.